The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$12,270
−HK$769/mo
▼ 0.25% · 3.875%
HK$12,652
−HK$387/mo
Today · 4.125%
HK$13,039
baseline
▲ 0.50% · 4.625%
HK$13,833
+HK$794/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$26,078/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,650
−HK$738/mo
▼ 0.25% · 3.875%
HK$14,016
−HK$372/mo
Today · 4.125%
HK$14,388
baseline
▲ 0.50% · 4.625%
HK$15,146
+HK$758/mo
Deposit HK$2.69M · loan HK$2.69M · min. income ≈ HK$28,776/mo (50% DSR)
Upfront cash ≈ HK$2.81M (deposit + AVD stamp duty HK$121,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,724
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,182
−HK$465/mo
Today · 4.125%
HK$15,647
baseline
▲ 0.50% · 4.625%
HK$16,599
+HK$952/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$31,294/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$121,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,380
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,820
−HK$445/mo
Today · 4.125%
HK$17,265
baseline
▲ 0.50% · 4.625%
HK$18,175
+HK$910/mo
Deposit HK$2.15M · loan HK$3.23M · min. income ≈ HK$34,530/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$121,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,178
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,712
−HK$543/mo
Today · 4.125%
HK$18,255
baseline
▲ 0.50% · 4.625%
HK$19,366
+HK$1,111/mo
Deposit HK$1.61M · loan HK$3.77M · min. income ≈ HK$36,510/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,110
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,623
−HK$520/mo
Today · 4.125%
HK$20,143
baseline
▲ 0.50% · 4.625%
HK$21,205
+HK$1,062/mo
Deposit HK$1.61M · loan HK$3.77M · min. income ≈ HK$40,286/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$121,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,086
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,773
−HK$698/mo
Today · 4.125%
HK$23,471
baseline
▲ 0.50% · 4.625%
HK$24,899
+HK$1,428/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$46,942/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$121,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,571
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,230
−HK$668/mo
Today · 4.125%
HK$25,898
baseline
▲ 0.50% · 4.625%
HK$27,263
+HK$1,365/mo
Deposit HK$538K · loan HK$4.84M · min. income ≈ HK$51,796/mo (50% DSR)
Upfront cash ≈ HK$659K (deposit + AVD stamp duty HK$121,073 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).